Why Does The Grass Always Seem Greener?

After the first 4-days or so, the honeymoon of not working is becoming more like the reality of being married. There's still work involved. The only difference is that I'm no longer being paid for it.
While the stress of corporate life has evaporated (although it still haunts me), a new stress of non-corporate-working as entered the picture - the stress of feeling productive. Somehow not working, not being on any one's time table and not bringing home a paycheck seems wrong. That voice of guilt in my head says that you should work, because, after all, you're healthy and capable. Not generating an income when you can is a waste!
Okay, so maybe I'm being a bit harsh, but then I have to honestly ask the question, "Is my life really that much better (like I had daydreamed on occasion) by not working in corporate America?" I'm not necessarily completing my "to-do" list. I still procrastinate (just now I no longer have a justifiable excuse of work). I still feel overwhelmed, worried, anxious about making decisions or future plans like what to do with the kids for the summer (only now it's because of money, not time). I'm also exhausted by the end of evening and would rather watch TV and veg-out versus having a meaningful dialogue with my husband. Finally, I have realized that time is still not on my side. In fact, I'm finding that time zips by faster than ever. And although I've made this discovery, I'm still under the illusion that by not-working I'll be able to make-up for the missing time and get the things I put off or didn't accomplish the following day. But the joke's on me because the next day I have a bigger "to-do" list and less time. So perhaps, I think, I was better off working. At least then I had a legitimate excuse and I was paid for it.
But wait!!! The income didn't buy me time with my kids. Nor did it allow me to cook for them, help them with their homework, put them to bed at a reasonable time and have patience with them. It didn't allow me to see their delighted faces when I pick them up at school, watch them play at the park and accomplish some physical feat they never had before. And it wouldn't have let me be there when my son lost his first baby tooth.
With that said, I ask, what's the real waste?